Quem compra um consórcio já tem em mente que o bem, ou serviço, adquirido não é tão urgente assim.

Isso porque a contemplação com a carta de crédito pode ocorrer entre o primeiro e o último mês do plano contratado, sem data garantida.

Mesmo assim, existem algumas maneiras de ser contemplado mais rápido no consórcio, e é isso que nós vamos explicar para você nesse post.

Leia até o fim para entender o que você deve fazer para aumentar as suas chances de contemplação.

Formas de contemplação do consórcio

Antes de tentar acelerar o seu acesso ao crédito, é importante entender quais são os tipos de contemplação possíveis e quando você pode se beneficiar delas.

Sorteio

Aqui o que vale é a sorte, nada mais.

A ideia é que todos os participantes tenham as mesmas oportunidades.

Assim, o número da cota será aleatoriamente escolhido durante a realização da assembleia mensal.

Lance

Nessa categoria, o participante oferece o pagamento de uma parte (ou percentual) do valor da sua carta de crédito.

Como posso ser contemplado mais rápido?

Em algumas situações é interessante fazer parte de um grupo que já esteja em andamento.

Assim, além de ter acesso ao histórico de lances, você encontrará no grupo pessoas já contempladas e que, portanto, não entrarão na disputa com você.

No entanto, é importante ressaltar que é preciso verificar as características do grupo primeiro, senão o efeito pode ser o contrário e você pode entrar em um grupo com lances mais altos do que pode ofertar, por exemplo.

Algumas datas são mais concorridas para ofertar lances e é bom estar atento a isso.

Novembro e dezembro, por exemplo, costumam ter médias mais altas, em função do pagamento de 13º salário.

Nesse caso, vale esperar mais um pouco e melhorar as suas chances.

Faça um planejamento financeiro

Para que você possa ter dinheiro para ofertar como lance e aumentar suas chances de ser contemplado mais rápido, o planejamento financeiro é indispensável ao adquirir um consórcio.

Controle suas contas com uma planilha, aplicativo, ou, até mesmo, um simples caderno de anotações.

O objetivo é economizar para garantir o lance.

Falando em lance, antes de fazer, procure a sua administradora do consórcio para entender todas as regras para a oferta dos lances.

Assim você vai conseguir diversificar sua estratégia e deixar sua contemplação mais próxima.

Mantenha a sua cota em dia

Ao pagar as suas parcelas do consórcio em dia, você ajuda a manter a saúde financeira do grupo e, assim, proporcionar o máximo de contemplações possíveis.

É importante destacar que, para participar das assembleias mensais, você deve estar com os pagamentos regularizados.

Caso surjam imprevistos, entre em contato com a administradora e negocie os débitos para não adiar a sua contemplação.

Lance embutido

Está com pouco dinheiro?

Uma forma de fazer o pagamento do lance é com a própria carta de crédito, o que chamamos de lance embutido.

Você utiliza uma parte do valor do plano contratado, estabelecido pela administradora, para compor o valor oferecido como lance.

Ou seja, se você for o vencedor, o percentual do lance embutido será descontado do valor a receber, e se não houver contemplação, a sua carta de crédito continuará intacta.

Seja persistente, não desanime

Mesmo seguindo todas as dicas acima é possível que você não saia vitorioso, afinal, nenhum consórcio tem garantia de contemplação com datas específicas.

No entanto, o importante é não desanimar.

Por fim, vale destacar que os contemplados são informados após a realização da assembleia.

Portanto, caso você seja um dos agraciados, iniciará o processo para a liberação do crédito.

A administradora precisará ser informada de como você utilizará o valor do crédito, e você precisará enviar toda a documentação solicitada para seguir com o processo.

Quer um plano ideal para você?

Na Promenac Consórcio, você pode receber a cotação do consórcio pretendido por telefone, ou , por meio de visita de um de nossos consultores em sua casa.

Se preferir, aqui mesmo em nosso site você pode conhecer nossos planos de consórcio.

Esperamos o seu contato!

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